How to get out of new HGVC

[kflek20]

We purchased with HGVC about 6 months ago. We had no intention of purchasing but they told us a few things to convince us. It turns out those were lies. We tried texting, emailing and calling daily for months to get more information on what we were promised and then we found out we were lied to so to late for the recision period. Submitted a complaint to corporate and got nowhere so I filed with the BBB. That finally got their attention but basically told me it was our word against their sales agent and the sales agent claims he never said it . They have offered us $2000 in maintenance fees credit but I want to be completely refunded because with out those things that were promised this time share is useless to us as it doesn’t fit the way we “travel”. Any recourse? I thought about hiring an attorney but hard to know who is a scam and who isn’t and I think it will again come down to their word against mine. Do I just take the $2000 and cut my losses or is there anything else I can do?

 

[HuskerATL]

You are in a tough spot. Do you have a loan? If so, it is even harder to get out. If you paid for it, then you can sell it but at about 10% of what you paid. HGV is not good about taking deeds back. You may be better off taking the $2k credit and using it. You could default but it hit your credit.

The other route is like the one below.

How do you get out of a $28,000 timeshare mistake? Definitely not like this

Ling Lu Yamaki wanted to get out of her timeshare with Hilton Grand Vacations after she discovered a serious problem with it.

www.elliott.org

Here is the original TUG thread about it when the owner wanted out and also said that the sale's person lied to them. The reality is that most sale's folks like...and there is not much that you can do...if it isn't in the contract, then it probably isn't true.

Need help please (sales rep lied to me)

We went to Vegas in July and attended a Hilton presentation. We did not plan to buy. Hilton sales rep started talking about open season booking at $50 to $245 per week once we join and decide to book using cash. I thought this was a great deal. She confirmed with us several times. I asked...

tugbbs.com

 

[LannyPC]

Any recourse? I thought about hiring an attorney but hard to know who is a scam and who isn’t and I think it will again come down to their word against mine. Do I just take the $2000 and cut my losses or is there anything else I can do?

We usually strongly recommend against using an attorney. What's an attorney going to do for you but suck your wallet dry? As you said, it's "their word against [yours]." What counts is what is written in the contract.

Besides not hiring an attorney, we also strongly recommend against using any other "exit" company that claims it can get you out of your contract painlessly with minimal financial problems. Those are scam companies.

 

[geist1223]

Read your entire Contract closely. It is likely that you are required to submit any disputes to Binding Arbitration.

 

[LeslieDet]

Your purchase agreement most likely has a clause referred to as "integration". That means you acknowledge and agree the only representations you are relying upon in signing the agreement are those that are actually written into the agreement. Thus, even if you were to ever get to litigation (which most likely would be an arbitration since most of the timeshare contracts contain an agreement to arbitrate disputes) over the contract, there is no "he said, we said" discussion. It is the written agreement, not any verbal assurances or verbal promises made to you prior to you signing the contract, that control.

 

[CanuckTravlr]

Unfortunately, now that you are past the recission period, you don't have a lot to use to exit the contract, unless you have the things you feel are lies in writing or recorded. There are others who have come to TUG too late to act under the recission rules. So now, it might be best to take the MF credit and learn how to use the system so that it works for your particular style.

The HGVC system is actually quite good, once you learn how to use it. There are lots of us on here, ready and willing to help with that and to answer your questions. We all travel differently, so there is likely more than one member who may have a travel style similar to yours.

Maybe start by explaining what you thought you were getting, versus what you now understand you have. It may not be as bad as you fear. Plus, if you tell us a bit about your travel style, hopefully we can make some suggestions on how to make the most of what you have.

 

[dioxide45]

Your purchase agreement most likely has a clause referred to as "integration". That means you acknowledge and agree the only representations you are relying upon in signing the agreement are those that are actually written into the agreement. Thus, even if you were to ever get to litigation (which most likely would be an arbitration since most of the timeshare contracts contain an agreement to arbitrate disputes) over the contract, there is no "he said, we said" discussion. It is the written agreement, not any verbal assurances or verbal promises made to you prior to you signing the contract, that control.

The verbal representation clause really needs to be disclosed upfront, not buried in the contract. Sadly, too few people read the contract. Mostly because they've been worn down by the sales process. They just want to get out of there.

 

[TUGBrian]

all well put above...sorry you didnt find us sooner...but your options are straightforward.

continue to be a squeaky wheel, and up the squeakyness in the hopes that you will eventually become more trouble than you are worth and hgvc will try to negotiate some sort of settlement with you (low chance of success, just not zero!)

stop paying and roll the dice on the consequences. can probably guarantee a credit ding defaulting on the loan along with a ton of efforts/threats to collect....you just have to decide what all that is worth compared to paying off the loan while also paying annual dues.

 

[LeslieDet]

The verbal representation clause really needs to be disclosed upfront, not buried in the contract. Sadly, too few people read the contract. Mostly because they've been worn down by the sales process. They just want to get out of there.

That’s for state legislators to change the law on disclosures relating to this type of high pressure sale. But keep in mind, each state has consumer protection laws in place providing for rescission rights. If a state legislature wants to make the consumer’s rescission rights more visible to the consumer, then they must pass a law saying that. There’s only so much the law can provide. It’s still up to the consumers entering into these contracts to read them.

 

[kflek20]

We purchased with HGVC about 6 months ago. We had no intention of purchasing but they told us a few things to convince us. It turns out those were lies. We tried texting, emailing and calling daily for months to get more information on what we were promised and then we found out we were lied to so to late for the recision period. Submitted a complaint to corporate and got nowhere so I filed with the BBB. That finally got their attention but basically told me it was our word against their sales agent and the sales agent claims he never said it . They have offered us $2000 in maintenance fees credit but I want to be completely refunded because with out those things that were promised this time share is useless to us as it doesn’t fit the way we “travel”. Any recourse? I thought about hiring an attorney but hard to know who is a scam and who isn’t and I think it will again come down to their word against mine. Do I just take the $2000 and cut my losses or is there anything else I can do?

I am going to edit this to say that it is “paid off” in Hiltons eyes. They had both my fiancé and I take out the Hilton credit card and split it half on the credit card so we are still paying that off. We have 0% interest until next July so we’re just slowly chipping away at it now. I’m just worried because we really really need that money for our trip to Greece next year that they promised us we could use this for and now we can’t so now I need to come up with more money for lodging. They told us our points would pay for all lodging, and we could even use some of the bonus points. They gave us to pay for some of the airfare. And I didn’t realize how useless the Hilton credit card points are for travel as opposed to my other credit cards.

 

[kflek20]

all well put above...sorry you didnt find us sooner...but your options are straightforward.

continue to be a squeaky wheel, and up the squeakyness in the hopes that you will eventually become more trouble than you are worth and hgvc will try to negotiate some sort of settlement with you (low chance of success, just not zero!)

stop paying and roll the dice on the consequences. can probably guarantee a credit ding defaulting on the loan along with a ton of efforts/threats to collect....you just have to decide what all that is worth compared to paying off the loan while also paying annual dues.

It’s on our Hilton credit cards and we can’t ruin our credit right now because we’re in the process of building a house so we may need to take out short term loans.

 

[kflek20]

You are in a tough spot. Do you have a loan? If so, it is even harder to get out. If you paid for it, then you can sell it but at about 10% of what you paid. HGV is not good about taking deeds back. You may be better off taking the $2k credit and using it. You could default but it hit your credit.

The other route is like the one below.

How do you get out of a $28,000 timeshare mistake? Definitely not like this

Ling Lu Yamaki wanted to get out of her timeshare with Hilton Grand Vacations after she discovered a serious problem with it.

www.elliott.org

Here is the original TUG thread about it when the owner wanted out and also said that the sale's person lied to them. The reality is that most sale's folks like...and there is not much that you can do...if it isn't in the contract, then it probably isn't true.

Need help please (sales rep lied to me)

We went to Vegas in July and attended a Hilton presentation. We did not plan to buy. Hilton sales rep started talking about open season booking at $50 to $245 per week once we join and decide to book using cash. I thought this was a great deal. She confirmed with us several times. I asked...

tugbbs.com

I asked them if they had buy it back and they said they don’t buy them back anymore in the US. I can’t afford to take a 90% cut on this I might as well just use it…

 

[GT75]

I asked them if they had buy it back and they said they don’t buy them back anymore in the US. I can’t afford to take a 90% cut on this I might as well just use it…

I think that this will be your best option. Hopefully, you bought on the HGVC side (deeded property).

 

[kflek20]

I think that this will be your best option. Hopefully, you bought on the HGVC side (deeded property).

Good question. I have no idea! . How do I find that out? I feel so stupid because I’ve swindled into timeshares before and I said I will never be swindled into them again, but I guess I was wrong. My fiancé and I are starting our life together and our kids are all about to be 18 and we just felt like this was a perfect time to travel together and this would really help us but not if we can’t use it.

 

[HuskerATL]

I am going to edit this to say that it is “paid off” in Hiltons eyes. They had both my fiancé and I take out the Hilton credit card and split it half on the credit card so we are still paying that off. We have 0% interest until next July so we’re just slowly chipping away at it now. I’m just worried because we really really need that money for our trip to Greece next year that they promised us we could use this for and now we can’t so now I need to come up with more money for lodging. They told us our points would pay for all lodging, and we could even use some of the bonus points. They gave us to pay for some of the airfare. And I didn’t realize how useless the Hilton credit card points are for travel as opposed to my other credit cards.

Painful. So much wasted money. They do take them back, as the other examples show, and that article that I posted. Maybe reach out to the author of that article to see if he can help. These are hard to get out of and get any money from it.

You can deposit HGVC points into Hilton and pay for a few nights in Greece or look at RCI. I think the points can only pay for a portion of the flights. The sales folks will say anything that they think will touch the right buttons to make the sell... regardless if it is true or not. It is frustrating that they aren't held accountable... So many people get told half truths to full out lies with no consequences for them

 

[HuskerATL]

Good question. I have no idea! . How do I find that out? I feel so stupid because I’ve swindled into timeshares before and I said I will never be swindled into them again, but I guess I was wrong. My fiancé and I are starting our life together and our kids are all about to be 18 and we just felt like this was a perfect time to travel together and this would really help us but not if we can’t use it.

It is a good system. We have owned for over 20 years and use the properties all the time. Our kids have grown up in HGVC properties but the sales folks are terrible.

If you want to stay in the properties, then I think you will like it but it comes with this cost when you buy retail.

 

[kflek20]

Painful. So much wasted money. They do take them back, as the other examples show, and that article that I posted. Maybe reach out to the author of that article to see if he can help. These are hard to get out of and get any money from it.

You can deposit HGVC points into Hilton and pay for a few nights in Greece or look at RCI. I think the points can only pay for a portion of the flights. The sales folks will say anything that they think will touch the right buttons to make the sell... regardless if it is true or not. It is frustrating that they aren't held accountable... So many people get told half truths to full out lies with no consequences for them

We do have a lot of Hilton points since we put the entire timeshare on Hilton credit cards but there are no Hilton hotels on the islands we are going to. Do we have RCI with our timeshare? I know timeshares I’ve owned in past. I’ve had RCI or interval, but they didn’t tell us anything about that this time. Is that something we have to pay for on our own?

 

[kflek20]

We do have a lot of Hilton points since we put the entire timeshare on Hilton credit cards but there are no Hilton hotels on the islands we are going to. Do we have RCI with our timeshare? I know timeshares I’ve owned in past. I’ve had RCI or interval, but they didn’t tell us anything about that this time. Is that something we have to pay for on our own?

I have reached out to the gentleman that wrote that article and see what they can do. I think that’s my last ditch effort.

 

[GT75]

Do we have RCI with our timeshare? I

yes

Good question. I have no idea! . How do I find that out?

HGVC is a deeded property. So if you own on the HGVC side, you will own at particular resort in a particular room side and usually a specific season {for example, Valdoro Mtn Lodge, 3BR platinum winter ski season} (your MFs are also based on the property that you own). This forum is for HGVC and HC (Hilton Club). If you own trust points in a specific collection (such as HI or US collection), then you bought into HVC (Hilton Vacation Club), formerly DRI. There is a different forum for HVC. I suspect that you were sold trust points in HVC.

 

[HuskerATL]

We do have a lot of Hilton points since we put the entire timeshare on Hilton credit cards but there are no Hilton hotels on the islands we are going to. Do we have RCI with our timeshare? I know timeshares I’ve owned in past. I’ve had RCI or interval, but they didn’t tell us anything about that this time. Is that something we have to pay for on our own?

Yes, there is a link in the HGVC portal to the HGV version of RCI. Basically they have removed lower tier properties and you have 3 years worth of HGVC points to use there.

 

[kflek20]

yes


HGVC is a deeded property. So if you own on the HGVC side, you will own at particular resort in a particular room side and usually a specific season {for example, Valdoro Mtn Lodge, 3BR platinum winter ski season} (your MFs are also based on the property that you own). This forum is for HGVC and HC (Hilton Club). If you own trust points in a specific collection, then you bought into HVC (Hilton Vacation Club), formerly DRI. There is a different forum for HVC. I suspect that you were sold trust points in HVC.

I will have to check my paperwork when I get home but HGVC is the website we access so I assumed that is what we have. I don’t recall them saying we have a specific week at a specific property though. I do know we have points.

 

[HuskerATL]

I will have to check my paperwork when I get home but HGVC is the website we access so I assumed that is what we have. I don’t recall them saying we have a specific week at a specific property though. I do know we have points.

In HGVC, you will have a specific property since they are all deeded. You will then have either a floating week in a season or a fixed week. If you don't have this, then you may be DRI. Their Trust points tend to be in a collection of properties.

 

[SmithOp]

It’s on our Hilton credit cards and we can’t ruin our credit right now because we’re in the process of building a house so we may need to take out short term loans.

You may need to do some soul searching and consider delaying the Greece trip, I'm sorry the sales person lies got you in this mess. We see this story repeated here on TUG all the time, the sales person befriends you to learn what your plans are then crafts verbal promises that are non binding to get you to buy. You really need to look in your account to find out what you own and how to best use it, or take the hard hit and dispose of it.

My wife and I had a dream Alaska trip planned earlier this year but health concerns made us cancel and pivot, it's life, don't create a financial hardship by not being flexible.

 

[ABCTravels]

To the OP,
We also own ours after a sales presentation and have learned to make it work. As you bought retail, you do have Max exchange to access to the HVC (former diamond) resorts and there is one in Greece, but I know nothing about it or its availability, though I assume that it is probably a bit challenging to book at only 6 months out. That said, travel without school schedule restrictions will make availability better if you visit places in the shoulder season. For example, I did go to Greece many years ago in October and it was fantastic and we still had warm ocean water to swim in. With the credit card, you may have enough points to book Hilton hotels in Greece with the honors points where you stay 4 nights and get the 5th free. This might adjust your travels some, but it could be a way to make it work. I'm sorry for your frustration, and I do hope it works out for you to get released from your contract, but otherwise, learning how to use it is not a bad way to go for a while. Maybe it'll be better than your previous experience. Good luck!